Hi playa,
You are getting very good advice and I know it is hard to make this choice. And you are getting a wide range of answers, with valid points in each, which makes it even more confusing.
However, I tend to agree with those who say, use baseball as the last criteria on your list.
Is it your feeling that the U of Ozarks a better academic choice than the other two? If you can go to U of Ozarks, if I am reading this right, for only 2K a year out of pocket, then in my mind it makes complete sense to go there. 100%.
That academic money you are getting from U of O means they want you and value you as a student, and that is money you can count on more than you can baseball money. (Clarify that point at the JUCO: what happens to my money at JUCO if I get hurt or don't play well?)
I would simply drop the D2 option. Why go into debt, and be a non-recruited player?
What is most important in my view is the lifetime benefit of the education and the four years you have ahead of you as an undergraduate. At U of O, you can go knowing you are in the academic and social "home" you will have for 4 years, you will establish ties with faculty and friendships for life, you'll have no disruption to your education as you would with the JUCO + transfer path. All of your classemates will be headed down the path for a 4 year degree, hopefully in 4 years, which is not always the case at a JUCO. (Many 2 year schools include adult learners, people who need to stop out for financial reasons, students with only a 2 year degree goal, etc. The education can be great but you will perhaps not have the same collegiate feel.)
FYI (and before others on this board call me out on this) I am not 'anti - JUCO' at all. You need to weigh the pros and cons. But if your most important goal is a solid education with minimal debt, and baseball is the 'icing on the cake' then go with the 4 year degree at the D3.
Before you break the ties with the JUCO, be 100% you have your fin aid lined up at Ozarks. And, have another visit to each of the schools (if possible) as you decide. Picture yourself at each place, as a student, without baseball. Which one is the best home for you?
Good luck, it is a very tough decision, but an exciting time.